401 Monterey Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 401 Monterey Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,846 sqft · built 1950
Lot Size	0.181 acres (7,884 sqft)
Owner	2 Individual Names on File
Last Sale	$714,500 (Sep 2013)
Tax Bill	$11,290 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036-072-47`

Property Details

APN / Parcel Number

Primary APN	`036-072-47`
Alternative APN	`036-072-47-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,846 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,884 sqft (0.181 acres)
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	234 sqft
Patio Area	234 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	401 MONTEREY AVE
City	CAPITOLA
State	CA
Zip	95010-3613
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1012
Census Tract	121802

Owner

401 Monterey Ave is owned and occupied by two individuals who bought it in September 2013.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	401 MONTEREY AVE, CAPITOLA, CA 95010-3613
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 3, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2013 · Amount on File
Deed Sale	Sep 27, 2013 · Amount on File
Deed Document Number	201347315
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	401 MONTEREY AVE, CAPITOLA, CA 95010-3613
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 MONTEREY AVE, CAPITOLA, CA 95010-3613

Mortgage

Document Number	0000020179
Date	Sep 24, 2025
Instrument	2025-0020179

Lender

Name	COMERICA BANK
Type	Bank
Address	FARMINGTON, MI 48331

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	401 MONTEREY AVE, CAPITOLA, CA 95010-3613
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 MONTEREY AVE, CAPITOLA, CA 95010-3613

Mortgage

Document Number	0000055564
Date	Dec 21, 2020
Instrument	2020-0055564

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2040

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	401 MONTEREY AVE, CAPITOLA, CA 95010-3613
Document Number	0000008549
Instrument Date	Mar 3, 2017
Transaction Type	Mortgage
Record Updated	Mar 31, 2017
Title Company	TSI TITLE COMPANY/CA INC, TSI TITLE CO/CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	401 MONTEREY AVE CAPITOLA CA 950103613, CAPITOLA, CA 95010-3613

Mortgage

Document Number	0000008549
Date	Mar 13, 2017
Instrument	8549

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 401 Monterey Ave was $11,290 with a homeowner's exemption.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Capitola City
Secondary School District	Santa Cruz City High School District (9-12) (09 - 12)
Elementary School District	Soquel Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$893,697 (+2%) Land $580,903 Building $312,794
2025	$11,290.00 Homeowner's exemption	$876,174 Land $569,513 Building $306,661
2023	$10,345.00 (+1.2%)	$842,151 Land $547,398 Building $294,753	$1,119,780
2022	$10,222.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 401 Monterey Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 401 Monterey Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 757 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, T-Mobile, Xfinity.

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